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New: HL Multi-Index Funds

Premium investments, exceptional value

Fixed launch price £1 per unit - ends 11:59pm 5 June

Want to get started with investing but don’t know where to begin? Do you invest already but would rather spend less time doing it? Want someone else to do the day-to-day hard work for you?

HL’s new Multi-Index funds can help.

They’re an easy option, all-in-one solution if you need help investing, and they’re great value too.

You only need to pick one fund to have a diversified investment portfolio. That means you don’t have to spend ages researching or managing lots of different investments yourself. You just pick the level of risk you’re comfortable with.

But you can also hold this fund as the central part of an investment portfolio and choose other investments to add a bit of extra flavour alongside it.

Low-cost funds managed by experts

Once you've picked your HL Multi-Index Fund, HL’s expert fund managers manage the investment from there. They’ll pick investments on your behalf that track the market at a low cost.

Just £3 each year for an investment of £1,000 – less than a latte. HL’s account charge will also apply.

You should check in on your investment from time to time to make sure it still meets your needs and investment goals. You can add money and make changes to your investment choices at any point.

Invest lump sums by 11:59pm on 5 June to get the launch price of £1 per unit.

Track the market with help from our fund managers

These funds are made up of investments that track the stock and bond markets around the world. Our expert fund managers then choose the right mix for your chosen level of risk, making sure that they match that over time.

This approach allows the funds to be low cost, allowing more of your money to work harder for you, while offering a level of fund manager expertise on top.

Consider HL Multi-Index funds if:

  • You’d like a team of experts to look after the day-to-day investment decisions.
  • You won’t need the money for at least 5 years.
  • You’ve already built up cash savings for emergencies.

Think about alternatives if:

  • You are not comfortable with the value of your investment going up and down, it is possible to get back less than you invest.
  • You’re unsure of the difference between investing and saving.
  • You’re sure you want to invest but want to try a different approach like building your own portfolio. You can explore other options.
  • You don’t feel comfortable choosing and reviewing your investment. If you’re not sure investing is right for you, ask for advice.

Choose your risk level

Important information: Please remember that the value of investments can fall as well as rise, and you may get back less than you invest. You should still be comfortable choosing an investment without personal advice. You're responsible for making sure your decisions are right for your circumstances and needs. Investing in these funds isn't right for everyone. Investors should only invest if the fund's objectives are aligned with their own, and there's a specific need for the type of investment being made. Investors should understand the specific risks of a fund before they invest.

If you're not sure a decision or investment is right for you, please contact us for financial advice.

You can choose from 4 ready-made investments which offer different levels of risk. When we say ‘risk’ we usually mean market ups and downs. The higher the risk level, the more your investments might move up and down - but the overall returns could be greater.

For each ready-made investment, you can get started from £100 as a lump sum, or from £25 a month. They can be held in any of our investment accounts.

If you’re looking to invest for retirement, check out our ready-made pension plan which takes the same approach, but reduces your risk as you approach retirement.


For investors who want higher potential returns, with a higher level of risk

Moderately Adventurous

For investors who want to take on slightly more risk for potentially higher returns


For investors who want to have a balanced approach to risk and return


For investors who want to take less risk

Why choose an HL Multi-Index Fund?

  • Ease: Choose one of four funds which best matches your needs. That’s all you need to do to get started with investing.
  • Low cost: We use tracker funds which means that less of your investment is taken in charges, so your money can work harder for you.
  • Expertise: Investment experts make the day-to-day investment decisions
  • Transparency: See how your fund is performing, online or via the HL app
  • Trust: For more than 40 years we've helped investors make the most of their money. Over one million clients trust us with their accounts

Frequently asked questions